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Different FICO Scores Viewed Through CC Websites

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Anonymous
Not applicable

Re: Different FICO Scores Viewed Through CC Websites

Thank you both for the additional information. I appreciate it.

Message 11 of 14
Anonymous
Not applicable

Re: Different FICO Scores Viewed Through CC Websites

Anyone know which one Discover uses when they report every month?

Message 12 of 14
Thomas_Thumb
Senior Contributor

Re: Different FICO Scores Viewed Through CC Websites

Discover reports a Fico 08 Classic score (300 to 850) based on data in your TransUnion credit report.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 13 of 14
Broke_Triathlete
Valued Contributor

Re: Different FICO Scores Viewed Through CC Websites

As I'm sure others have said it depends on which FICO model they are using. If one is using FICO 4 and one is using FICO 8 then the scores will almost certainly be different. You want to pay more attention to your FICO 8 scores because IIRC at this point in time it's the most widely used score for credit decisions.

 

Also if two CC's are using the same FICO score and they are different it is more than likely because they are pulled at different times during the month. For instance, say one card pulls your score prior to your due dates on your CC's and you're at 80% utilization. They you pay your cards down to 10% before the statements cut. Because of this you're going to see your scores rise. Then CC #2 pulls the score after your statement cuts and the CC's report to the bureaus to reflect your changes.

 

There will definitely be a difference in the scores even though they pull the same score, from the same model, and even in the SAME month. 

Personal:

Business:


Message 14 of 14
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